Home loan · Variable
Basic
6.87%comparison rate p.a. · 6.84% advertised
Variable · P&I · Investor · 80.01–90% LVR
59th of 83 variable investor P&I loans
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Variable · P&I · Investor · ≤70% LVR
- 6.57% comparison · 6.54% advertised
- Variable · P&I · Investor · 70.01–80% LVR
- 6.62% comparison · 6.59% advertised
- Variable · P&I · Investor · 80.01–90% LVR
- 6.87% comparison · 6.84% advertised
- Variable · Interest Only · Investor · ≤70% LVR
- 6.65% comparison · 6.84% advertised
- Variable · Interest Only · Investor · 70.01–80% LVR
- 6.70% comparison · 6.89% advertised
- Variable · Interest Only · Investor · 80.01–90% LVR
- 6.88% comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Valuation fee
- None
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- Maximum loan
- $5,000,000
- Basic · Variable · P&I · Investor
- RBA cash rate
- Investor Basic IO LVR>80-90variable investor interest-only 6.63 → 6.8814 days after the RBA rise to 4.60%+0.25
- Investor Basic P&I LVR>80-90variable investor P&I 6.62 → 6.8714 days after the RBA rise to 4.60%+0.25
- Investor Basic (IO) LVR <70variable investor interest-only 6.40 → 6.6514 days after the RBA rise to 4.60%+0.25
- Investor Basic P&I LVR>70-80variable investor P&I 6.37 → 6.6214 days after the RBA rise to 4.60%+0.25
- Investor Basic IO LVR>70-80variable investor interest-only 6.45 → 6.7014 days after the RBA rise to 4.60%+0.25
- Investor Basic (P&I) LVR <70variable investor P&I 6.32 → 6.5714 days after the RBA rise to 4.60%+0.25
Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.
P&N Bank's Investor Basic home loan is a variable home loan suitable for investors, with no monthly fee and no application fees.
Also from P&N: Offset Variable HL 6.45% · Basic Variable HL 6.47% · Fixed Home Loan 6.56% · Offset 6.60% · Offset Variable HL>70-80 6.63%
As of 15 October 2026, the P&N Basic's variable investor P&I variant has a comparison rate of 6.57% (6.54% advertised), ranking 27th of 83 variable investor P&I loans. The product comes in 6 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 14 October 2026, 14 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.